Buying a House in COLORADO Starts Here
The process of buying a house in Colorado can be daunting, but working with the right realtor can make all the difference.
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I Make Buying Your Dream Home Simple & Fast!
The thought of finding and buying your dream home should be a happy one. It’s a chance to start fresh, make new memories, and begin the next chapter of your life. But often, buying a home can be stressful and complicated. That’s where I come in.
As your local real estate agent, it’s my job to ensure that you find the perfect home for you and your family. I help you navigate the complicated process of buying a home, from finding the right property to negotiating a fair price. I will be with you every step, ensuring your home-buying experience is positive.
So if you’re looking for an experienced and compassionate real estate agent to help you find your dream home, look no further. Contact me today, and let’s make your homeownership dreams a reality.
My Proven Process
Come First
Your Home
Offer
Come First
The most important part of my job is understanding what you’re looking for in a home.
A home is a big decision and usually the single most significant investment for a family. I want to ensure that you find the right property for you and your family. I will take the time to get to know you, understand your needs, budget, and down payment, and find a home that meets all of your requirements.
My client-first approach means that I always have your best interests at heart. I provide in-depth property details of each home you view, point out desirable features you may not notice, and identify potential concerns you may have overlooked.
You can be confident that I will work hard to find you the perfect home at the right purchase price.
Your Home
Once I understand your family’s needs and know what you’re looking for, I begin searching for properties that match your criteria and purchase price.
Some people dread the search process, but I find it one of the most exciting parts. I love nothing more than seeing my clients in their perfect homes.
I aim to make the search process as smooth and stress-free as possible by sending you listings of properties that I think you’ll love, including new listings the moment they come on the market and setting up appointments for you to view homes that interest you.
I want to make finding your dream home as simple and efficient as possible.
Offer
Once you’ve found the perfect property, it’s time to make an offer. We will help you negotiate a fair purchase price with the seller, considering the current market conditions and the property’s condition. We want you to feel confident and comfortable with the offer you’re making, and we will be there to answer any questions or concerns you may have.
Once an offer is made, it’s up to the seller to accept or reject it. If the seller rejects your offer, we will work with you to make a counteroffer. If the seller accepts your offer, congrats! You’re one step closer to owning your dream home.
Our years of experience in the Colorado real estate market have taught us a lot about home value, negotiating, and the housing market. We will work hard to help you buy a house at the best possible price.
get a free home consultation
If you’re thinking about buying a home in East Aurora, or if you have any questions about the process, I’d be happy to chat with you. I offer a free, no-string consultation where I can answer your questions about the home buying process, provide more information about my services, and get to know you better.
FAQS
What should I do if I'm not sure I'm ready to buy a house?
If you’re not sure you’re ready to buy a home, that’s okay. I can talk with you about your options and help you figure out what the best decision is for you and your family. I can help you understand all the costs involved, from down payment and closing costs to purchase price and private mortgage insurance. There’s no obligation to use my services, and I am happy to answer any questions you may have.
I am a Christian realtor that puts my clients first. I am your expert in Aurora, CO, including the specific neighborhoods of East Aurora, Aurora Highlands, and beyond. My client-first approach means that I always have your best interests at heart.
Schedule a free consultation to get started.
What should I do if I am a first-time homebuyer?
Hire the experts. Avoid taking advice from individuals who aren’t in the field. Many people are interested in real estate, and almost everyone feels they have some valuable information to share.
I am an expert in Colorado’s local real estate markets, from Aurora, Parker, Centennial, and the Denver metro region. I understand what to anticipate and where to look for traps.
Be confident in your decisions and trust the professionals. Friends and relatives who have only bought or sold a few homes are not knowledgeable enough to give sound advice. First-time buyers may be easily persuaded by well-meaning friends and family, only to be disappointed later.
There are a lot of first-time homebuyer programs and resources available including down payment assistance. I can help you navigate these programs and take advantage of the ones that are right for you.
Contact me to help you every step, from finding the perfect home to negotiating a fair price.
Contact me today to get started on finding your new home.
What credit score do I need to buy a house?
It would be best if you usually had a minimum credit score of 620+. No minimum credit score is required to buy a house, but a higher credit score will give you better interest rates on your mortgage loan. A good credit score is typically considered to be 720 or higher.
If your credit score is below 720, don’t worry. There are still options available to you. I can help you understand your financing options and find a mortgage loan that fits your needs.
A minimum credit score of 620 or more is suggested. The creditor will compare this number to your debt-to-income ratio before making a loan. You probably know that a high credit score results in better terms from the lender, but requirements are constantly changing, so staying up to date is good.
What About Poor Credit?
Depending on the case, lenders will occasionally approve buyers with a 580 score or lower. Your loan officer will be the best source of authority for updated and specific information surrounding today’s lending requirements.
The best first step if you’re considering buying a house is to get pre-approved for a mortgage loan. They will look at your credit history, down payment, income, and debt. This will give you an idea of how much mortgage payment you can afford and let sellers know you’re a serious buyer.
If you have any questions about your credit score or the mortgage process, I am here to help. I am an expert in the Colorado real estate market and am happy to answer any of your questions.
Let’s find your new home!
What's the difference between a real estate agent and a broker?
A real estate agent helps people buy and sell a property. A broker is someone who owns or manages a real estate company. Many terms are used in the real estate industry, and it can be challenging to keep them all straight.
Here are a few of the most important ones:
Real Estate Agent: A real estate agent helps people buy and sell a property.
Real Estate Broker: A broker owns or manages a real estate company.
Real Estate Agent vs. Real Estate Broker: The main difference between a real estate agent and a broker is that a broker can own or manage a real estate company, while an agent cannot.
Working with a real estate agent is essential if you consider buying or selling a property. I can help you navigate the process and make sure everything goes smoothly. I am a Colorado-licensed real estate agent with extensive experience in the Colorado industry, and would be happy to help you with all your real estate needs.
Schedule a free consultation to get started.
How much does it cost to use a real estate agent?
Some say it doesn’t cost anything to use a real estate agent. While this is true in the end, it’s essential to understand the costs associated with using a real estate agent. The seller pays the commission, and I split it with the buyer’s agent.
In every transaction, the buyer’s agent and seller’s agent will get a commission. How this get’s paid is where the details are. It has become standard practice to loop it all into the price of the home, so it appears seamless to the buyer.
Real estate agents and brokers negotiate different deals, strategies, and percentages. For example, if you’re buying a home, the Seller’s Agent will likely show you homes listed with their company. This means you do not see all the homes on the market. In addition, the Seller’s Agent is working for the seller, not you.
As a Christian realtor in Colorado, I will always be honest with you about the market and prices. You can be confident that you’re getting the best possible deal when you work with me.
I am a Colorado-licensed real estate agent with extensive experience in the Colorado industry, and I would be happy to help you with all your real estate needs. If you’re considering buying or selling a property, working with a real estate agent is essential. I can help you navigate the process and make sure everything goes smoothly.
Let’s get started finding your dream home.
How do I know I can trust you?
I understand that buying a home is a big decision, and it can be scary entrusting someone with such a necessary purchase. I have been in the business for many years and have helped countless families buy and sell the property. I am dedicated to my clients and community and only want what’s best for you.
As a Christian realtor in Aurora, CO, I am motivated by my faith to serve my clients with honesty and integrity. I believe that this is the best way to conduct business and build relationships.
If you have any other questions or would like to schedule a consultation, please don’t hesitate to contact me. I am here to help you through every step of the process and look forward to working with you.
Buying a house in Colorado starts here.
What is the first step in buy a house?
Getting pre-approved for a mortgage loan is the best first step when purchasing a home. You will need a mortgage and down payment unless you are paying cash for a property. To know how much house you can afford, you must be pre-approved for a loan. This is the initial step in the home purchase procedure.
If you are a first-time homebuyer, the Federal Housing Administration makes FHA loans available to help get into a house. These loans often have lower down payment requirements but do require mortgage insurance which adds to the monthly mortgage payment.
Once you have pre-approval, you can confidently move forward with the home search, knowing how much house you can afford. The next step is finding a real estate agent you trust who will help you find the perfect home within your budget.
I am a Colorado-licensed real estate agent with extensive experience in the Colorado industry, and I would be happy to help you with all your real estate needs. If you’re considering buying or selling a property, working with a real estate agent is essential. I can help you navigate the process and make sure everything goes smoothly.
If you need help finding a lender, contact me, and I’ll be happy to refer you to a trusted lender in the area. I am here to help you through every step of the process and look forward to working with you.
Schedule a consultation to get started.
How long does it take to buy a home?
The time it takes to locate a house varies considerably from person to person. Once a home is found, it usually takes 30-45 days to close escrow. However, once you’ve found a property and accepted an offer, closing generally takes around 30 days.
The answer to this question depends on many factors, such as the housing market, home type, and budget. Finding the perfect home and going through the loan approval process can take several months.
Market conditions such as a seller’s or buyer’s market can also affect how long it takes to buy a home. In a seller’s market, there may be more competition for homes, which could lengthen the time it takes to find a property and close the sale.
If you’re looking to buy a home shortly, it’s crucial to start preparing now. Get pre-approved for a mortgage and start working with a real estate agent to get an idea of what you’re looking for in a home. The more prepared you are, the easier the process will be.
I am a Colorado-licensed real estate agent with extensive experience in the Colorado industry, and I would be happy to help you with all your real estate needs. Working with a real estate agent is vital if you’re considering buying or selling a property. I can help you navigate the process and make sure everything goes smoothly.
If you need help finding a lender, contact me, and I’ll be happy to refer you to a trusted lender in the area.
Let’s find your dream home!
What does a realtor do?
A realtor is a highly beneficial asset when buying a home as they can offer guidance and support throughout the process. They will keep you updated on your options, represent you during negotiations, and be available even after the sale.
Many people are unaware of the distinction between a real estate agent and a realtor. Realtors are trained professionals licensed by the National Association of Realtors® and must adhere to a strict Code of Ethics. A real estate agent does not need to be a realtor but working with one offers several advantages. It is best to deal with a licensed Realtor for the most outstanding level of service.
Finding a perfect home can be daunting, and I am here to make it easier for you. My buyer services are designed around the needs of the clients, thus making sure you don’t miss out on your dream home.
With my extensive real estate knowledge, deep-rooted market insights, and vast industry experience, I will guide you through every step of the buying process – from the initial offer to closing day. My proven process helps ensure maximum savings while finding the ideal home in your desired neighborhood.
Selecting an Agent
Selecting an agent to help buy a house is a big decision and should not be taken lightly. Your agent will need to understand your needs, whether finding the perfect location, staying within budget, or getting the most bang for your buck. Ensuring your agent understands your needs beforehand will save you time and hassle when searching for the right home.
When selecting an agent, look for one whom you have a rapport with and who will have compassion toward your individual needs. I always put your needs first when you choose me as your buyer’s agent. I will always listen to your thoughts and suggestions and strive to exceed your expectations.
Viewing Homes
Finding the perfect home is an exciting yet daunting process. It requires patience, understanding, and an experienced guide who can help navigate you toward your dream home. As a realtor, I am that guide.
I aim to ensure that finding and buying the perfect home is manageable for my clients. From initial research to a hand-in-hand walkthrough of homes you’d like to view, I’m here every step to ensure you feel confident about your purchase. I offer personal guidance and support during the entire home viewing process, so each client feels comfortable with their decisions.
Arranging Financing
Potential homeowners often make the mistake of first falling in love with a home and securing financing later. This can be a disappointing mistake, however, as it’s easy to overlook associated fees, private mortgage insurance, and closing costs which could leave you without adequate down payment funds before purchase. To avoid this pitfall and ensure you are ready for homeownership when you find the perfect dwelling, mortgage pre-approval is essential.
When pre-approved for your loan, you will know exactly how much money you have available to buy your dream home and what fees are included in the process. That way, there will be no surprises, and you can move into your new home confidently and comfortably!
Making an Offer
Making an offer on a home is an exciting step in the journey to homeownership. There are several things to consider before you sign on the dotted line, but with me to guide you along the way, it doesn’t have to be overwhelming.
From determining a fair purchase price and conducting due diligence to understanding your loan options and negotiating with the seller – there’s much to consider. With everyone’s best interests at heart, having strong communication can ultimately lead you to sign that contract and prepare for closing day!
Closing the Sale
The closing process can be confusing, intimidating, and even exciting for those buying a home. It is the final step in the home-buying process and the climax of months of planning and preparing to become a homeowner. I am here to ensure the process runs smoothly and quickly and that you get into your home as soon as possible.
With my help, buying your forever home can become a reality! From signing documents and obtaining title insurance to ensuring all needed repairs are completed, and keys are exchanged, I will be there with you on closing day. Together we can make sure your home-buying journey is one of joy and accomplishment.
Working with a licensed realtor is vital if you’re considering buying or selling a property. We can help you navigate the process and make sure everything goes smoothly. Tracy Alford is a Colorado realtor with extensive experience in the Aurora real estate market, and she would be happy to help you with all your real estate needs.
Contact me to get started.
What do I need for a downpayment in Aurora, CO?
It depends on your loan type, but the average down payment in Aurora, CO, is between 3-5%. If you’re buying a $300,000 home, you’ll need to come up with $9,000-$15,000 for the down payment. This can seem daunting, but several programs are available to help with the down payment.
FHA loans (Federal Housing Administration) dropped their requirement from 3.5% to 3.0%. Some conventional loans require a 3% down. Veterans are eligible for a VA loan, which requires no money down. Properties in rural areas may qualify for a USDA loan, which also requires no money down. A good loan officer will walk you through all of these options.
I am a Colorado-licensed real estate agent with extensive experience in the Colorado industry, and I would be happy to help you with all your real estate needs. Working with a real estate agent is crucial if you’re considering buying or selling a property. I can help you navigate the process and make sure everything goes smoothly.
